Georgia Long-Term Care laws & HR compliance analysis

Georgia Long-Term Care: What you need to know

Employers have no obligation under Georgia law to offer long-term care insurance to their employees. However, if long-term care insurance is among the benefits offered, certain state law requirements limit how the plan may be designed.
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Under Georgia's Long-Term Care Insurance Act, a “preexisting condition” cannot be defined more restrictively than as the existence of symptoms that would cause an ordinarily prudent person to seek diagnosis, care, or treatment, or a condition for which medical advice or treatment was recommended by or received from a provider of healthcare services, within six months before the effective date of coverage (GA Code Sec. 33-42-6).
Generally, group long-term care insurance issued in Georgia must provide covered individuals with a basis for continuation or conversion of coverage (Ga. Comp. R. & Regs. Sec. 120-2-16-.06). The insurer may require that an individual has been continuously insured under the group policy, or any group policy which it replaced, for at least six months immediately prior to termination in order to be entitled to conversion coverage.
The Georgia Long-Term Care Partnership Program (Partnership) administered by the Department of Community Health in collaboration with the Office of the Commissioner of Insurance and the Department of Human Resources, Division of Aging Services, provides an alternative to spending down or transferring assets by forming a partnership between Medicaid and private long-term care insurers. The Partnership offers individuals both less expensive long-term care insurance and a way to receive needed care without depleting all their assets. ...

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Georgia Long-Term Care Resources

Type Title
Policies Elder Care Policy (Standard)
See all Long-Term Care Resources